Start at 28, Retire at 50
22 years of accumulation. Standard diversified allocation.
Accumulation
22 years
age 28 → 50
Portfolio at Retirement
$4.7M
Power Law model
Monthly Budget
$9,581
at retirement
Sustainable?
Yes
through age 85
Strategy Comparison
| Strategy | Portfolio at 50 | Sustainable? |
|---|---|---|
| Default (diversified) | $4.7M | Yes |
| Aggressive (100% BTC DCA) | $10.3M | Yes |
| Traditional 60/40 | $1.4M | No |
What If You Shifted Retirement?
| Retire at | Years | Portfolio | Sustainable? |
|---|---|---|---|
| 45 | 17 | $2.3M | Yes |
| 50 ★ | 22 | $4.7M | Yes |
| 55 | 27 | $8.9M | Yes |
Portfolio Growth Projection
Portfolio Comparison
Model Comparison
| Model | Portfolio at Retirement | Monthly Budget (inflation-adj.) | Sustainable? | Depletion Age | Max Expenses |
|---|---|---|---|---|---|
| Power Law | $4.7M | $10K | Yes | — | $188K/yr |
| CAGR 20% | $3.1M | $10K | Yes | — | $197K/yr |
| Traditional 60/40 | $1.4M | $10K | No | 63 | $30K/yr |
Decade Summary
| Age | Year | Stocks | Bonds | BTC | Other | Total | BTC Amount | BTC Price |
|---|---|---|---|---|---|---|---|---|
| 28 | 2026 | $50K | $20K | $10K | $0 | $80K | 0.149419 BTC | $135K |
| 38 | 2036 | $189K | $98K | $454K | $71K | $813K | 0.264761 BTC | $1.7M |
| 48 | 2046 | $519K | $236K | $2.8M | $212K | $3.7M | 0.282590 BTC | $9.8M |
| 50★ | 2048 | $479K | $265K | $3.7M | $243K | $4.7M | 0.283385 BTC | $13.1M |
| 58 | 2056 | $0 | $0 | $10.5M | $22K | $10.5M | 0.283385 BTC | $37.0M |
| 68 | 2066 | $0 | $0 | $27.4M | $0 | $27.4M | 0.253486 BTC | $108.1M |
| 78 | 2076 | $0 | $0 | $63.4M | $0 | $63.4M | 0.238173 BTC | $266.1M |
| 85 | 2083 | $0 | $0 | $107.2M | $0 | $107.2M | 0.231495 BTC | $463.1M |
22 Years: From 28 to Retired at 50
The difference between retiring at 50 and 55isn't just 5 more years of work — it's 5 fewer years of portfolio growth AND 5 more years of withdrawals. That double impact makes each year of earlier retirement exponentially more expensive.
With 22 years of accumulation starting at 28, the Power Law model projects a portfolio of $4.7M by age 50. This comfortably sustains $60K/year expenses through age 85.
This is not financial advice. Past performance does not guarantee future results.
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